I am seriously faced big financial troubles with my personal loan and credit cards. I try to close all those but i don't make up. I don't have single bank balance for the future. I stay with my mother 72, my wife , 39, a kid 8 years. I do not deposit school fees of my kids in proper time. I don't know how I spent my life after retirement. I am 49. I felt very sad everytime from inside. I don't show sadness in front of my family members. I just survive just because of God. Please Please pray for us .